摘要：我國金融領域對外全面開放后，內資銀行與外資銀行的競爭將主要體現在中間業務上。中間業務已成為國外許多商業銀行利潤的主要來源，我國銀行的中間業務仍處于初級階段，銀行對中間業務的認識不夠深刻，還暴露出管理經驗不足、人才匱乏、技術力量薄弱等問題。本文從財務角度出發，從我國商業銀行中選取幾個代表，對其財務報表相關數據進行分析，包括中間業務凈入收；中間業務凈收入占總收入之比；中間業務構成及構成部份所占比例等指標。通過分析得出我國商業銀行中間業務的發展現狀，找出差距和存在的問題，提出可行性建議。

關鍵字：商業銀行   中間業務   個人理財   建議及對策

Abstract: After the full open of our country’s financial sector,the competition between foreign and domestic banks mainly focuses on intermediary business. Intermediary business has already become the main source of foreign commercial banks’profits .In our country, intermediary business of commercial banks  is still in the primary stage and they don’t have a good understanding of it.Such phenomenons exposed that we are lack of experience,human resource and technology. This article has make some analysis of selected financial statements of some representative domestic commercial banks standing in the financial Angle, including net profit of intermediary business,the percentage of net profit of intermediary to total income,the forming parts of intermediary business and the proportion of each part. By analyzing different ratios,this article shows current situations of intermediary business in domestic banks,finds out gaps and problems and gives feasible suggestions and countermeasures.

Key words:Commercial Banks; Intermediary Business;Personal Finance; Suggestion and Countermeasure

　　　中間業務以其風險小，收益高的優點受到各國銀行的青睞，尤其是在發達國家，已成為商業銀行收入和利潤的主要來源。近年來，我國商業銀行也開始注重中間業務的發展與推陳出新，中間業務也得到了快速的發展。但是，與西方發達國家相比，我國商業銀行在中間業務的范圍、品種、功能、效益等方面都存在巨大的差距。本文從從財務角度出發，通過財務數據對我國較有代表性的幾家商業銀行的中間業務進行分析探討并和港股銀行進行對比分析，找出差距和問題所在，為我國商業銀行中間業務的發展提出可行性建議。